EZ Baccarat Rules, Strategies & Guides

What Is EZ Baccarat?

The EZ Baccarat variant of baccarat is a well-known game with one significant difference: the annoying 5% commission charged to players when they win a Bank Hand wager is no longer in effect.

The game of baccarat is a popular table game that is played at land-based casinos with up to six or seven players and a casino dealer distributing the cards. Online casinos also offer EZ Baccarat as a game.In this online gambling guide, you will learn how to play EZ Baccarat, how to eliminate the 5% commission, and learn the third card drawing rules. Discover the house edge as well as the 2 optional side bets. Also, we will tell you different very advanced playing techniques when it comes to side bets.

The Purpose Of The Game

Only two hands are dealt regardless of the number of players. The Bank Hand is one, and the Player Hand is the other. Each player may wager on which hand comes closest to a total of 9 before the cards are dealt. You can bet on:

The maximum number of cards in a hand is three, and there are house rules that determine whether one or both hands require a third-card draw (more on this later).

Card Values

Each card has a numerical value that has nothing to do with its suit when you play online baccarat. 2s through 9s have a face value of equal to their numerical value. 0 and picture cards (Jack, Queen, King) have a face value of zero Tens and jack cards have no face value. The ace has a face value of one.

A high total on either hand is 9. If the numerical sum of the cards in a hand reaches or exceeds 9, you may use one of the following methods to get to your adjusted total:

10 can be subtracted from the total or the first digit can be dropped from the sum.


4+9 = 13 or 3

8+8 = 16 or 6

Unlike blackjack, where you lose if your hand totals more than 21, in EZ Baccarat you can never bust.


In a baccarat game, a player is charged a 5% commission on all winning bets on the Bank Hand. Many players are unaware of the reason for the 5% fee and become irritated when they have to pay it.

EZ Baccarat removes the house edge from baccarat by eliminating this fee, unlike other variants of baccarat that change the third-card drawing rules to accommodate for it.

Third Card Rules

In EZ Baccarat, either or both hands may draw a third card, as usual in traditional baccarat. Remember that the maximum number of cards per hand is three.

The dealer, rather than the players, makes the decision of whether a third-card draw is required under normal house rules. It isn’t necessary to memorize the third-card regulations, but you’ll have more fun if you’re familiar with them.

House Edge

The house edge or house advantages is calculated per hand played. For instance, the Bank Hand is 1.02%, the player hand is 1.24%, and the tie is 14.36%.

The House Advantage on the Bank Hand is lower than it is in a typical, 5% commission game (1.02% versus 1.06%). It’s also the same for the Player Hand and Ties.The aforementioned House Advantage for Bank and Player Hands is sometimes shown as 1.17% and 1.36%, which is the case with “per resolved bets” rather than “per hand played.”

Side Bets

There are two optional side bets available in EZ Baccarat: Dragon 7 and Panda 8.

Dragon 7

In the event that the three-card Bank Hand totals 7 and beats the Player Hand, this is touted as an insurance bet. You may recall that EZ Baccarat eliminates the 5% commission on winning Bank Hand bets because of this one amendment.

A payout of 40-1 for a winning Dragon 7 side bet is standard. As a result, if you wager on the Bank Hand and the Dragon 7 side bet, as well as the Bank Hand winning with a three-card total of 7, your wagers on both bets are paid out at 40-1. The house advantage is a little higher than 7%.

Panda 8

The maximum jackpot is set at $1 million. The payout for hitting a three-card Player Hand is 25 to 1, which has an edge of ten percent.

Rich Caesar

Rich Caesar

Rich Caesar is our US gaming news correspondent for PlaySlots4RealMoney.com. For the past six years, Rich has covered gaming markets in North America. Rich first joined PlaySlots4RealMoney.com in July 2014. Rich has written for a variety of gambling related publications over the years, and his work has been quoted in several industry magazines. He is always excited to bring a new perspective on what's happening in the gaming space. We look forward to what he writes for us next! Rich likes to keep updated with the worldwide gaming industry, and he takes special notice of anything new or that might be changing soon. Rich is originally from the United States but has spent many years living in different countries around the world. He loves anything outdoors and exploring, but he could also spend an entire day fishing on a boat without any difficulty. Currently, he lives in Canada.

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